... how all that fancy schmancy tech invariably ends up costing the punter more, not less. Plus, every single payment "solution" bar plain cash is incredibly one-sided and involves an indecent amount of middle men.
If you want to own the mobile payment market, you provide a good voice and data pipe for your customers and tack payments on as an extra. For PAYG charge a nominal sum (say the price of an sms, which really shouldn't be more than half a cent these days) for sending, and nothing at all for receiving. The convenience of the service offered will mean the punters will stay and so merchants will want a hook-up too. Since everybody on the platform should be a first-class citizen, a simple contract or PAYG will do for the merchant, too. The operator doesn't get as juicy a cut, but since the days of that are pretty much over these days anyway, sheer volume will have to do. And for that, the service has to be genuinely useful, which is quite different from "fancy". Oh, and you should be able to transfer value without having to tack your name onto it, too.
Since none of that is happening, I would surmise that the operators still see their clients as sheep to be fleeced. And you can see it in the way they try to force introduction of more fleecing tools the punters frankly don't see the point of. And the technological savvy among them unanimously decide to steer well clear of.